Credito Emiliano S.p.A. (BIT:CE)

Credito Emiliano Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,655	4,208	6,327	3,358	230.95	236.76
Investment Securities	16,345	15,830	14,525	14,509	15,947	11,511
Trading Asset Securities	436.59	573.42	664.23	948.99	353.84	425.22
Total Investments	16,782	16,403	15,189	15,458	16,300	11,936
Gross Loans	43,485	44,775	44,010	43,656	41,416	34,940
Allowance for Loan Losses	-436.74	-490.44	-507.14	-500.26	-526.42	-565.21
Net Loans	43,048	44,285	43,503	43,156	40,890	34,374
Property, Plant & Equipment	436.51	438.76	442	448.76	454.61	442.23
Goodwill	291.34	291.34	291.34	291.34	291.34	289.79
Other Intangible Assets	193.28	209.31	199.44	185.13	173.75	154.82
Investments in Real Estate	-	4.77	5	5.15	5.62	-
Accrued Interest Receivable	-	5.85	4.04	3.4	4.49	46.7
Other Receivables	648.18	979.87	945.56	851.75	518.15	8,678
Restricted Cash	396.09	387.9	375.12	280.69	7,721	-
Other Current Assets	-	86.64	61.52	29.76	71.69	67.91
Long-Term Deferred Tax Assets	381.7	403.09	444.14	541.29	228.9	205.55
Other Long-Term Assets	1,215	245.09	210.32	188.55	667.4	198.45
Total Assets	65,046	67,969	68,018	64,818	67,579	56,650
Accounts Payable	-	211.71	199.26	190.01	189.83	176.38
Accrued Expenses	82.92	464.4	401.23	297.75	271.31	182.85
Interest Bearing Deposits	9,834	10,521	9,369	1,621	5,211	4,289
Non-Interest Bearing Deposits	33,137	32,920	32,012	34,804	33,334	30,099
Total Deposits	42,971	43,441	41,382	36,425	38,545	34,388
Short-Term Borrowings	3,927	8,046	10,861	11,067	15,962	10,610
Current Income Taxes Payable	19.69	42.33	118.16	52	70.28	61.6
Other Current Liabilities	-	3.26	2.99	6.43	8.4	5.08
Long-Term Debt	5,217	5,005	5,169	4,077	3,039	2,738
Long-Term Leases	129.36	131.57	135.81	131.04	133.34	138.63
Long-Term Unearned Revenue	-	11.54	13.33	9.93	6.69	5.98
Pension & Post-Retirement Benefits	1.04	1.09	1.19	1.25	1.49	1.71
Long-Term Deferred Tax Liabilities	310.27	291	284.9	322.49	127.07	134.55
Other Long-Term Liabilities	7,953	6,027	5,578	8,878	5,765	5,074
Total Liabilities	60,611	63,676	64,147	61,458	64,119	53,516
Common Stock	341.32	341.32	341.32	341.32	341.32	332.39
Additional Paid-In Capital	321.8	321.8	321.8	321.8	321.8	283.05
Retained Earnings	3,845	3,729	3,329	2,878	2,727	2,404
Treasury Stock	-6.21	-3.85	-6.67	-10.07	-4.03	-7.46
Comprehensive Income & Other	-66.31	-95.76	-115.27	-171.64	73.01	121.18
Total Common Equity	4,436	4,293	3,871	3,360	3,459	3,134
Minority Interest	0	0	0	0.16	0.65	0.45
Shareholders' Equity	4,436	4,293	3,871	3,360	3,460	3,134
Total Liabilities & Equity	65,046	67,969	68,018	64,818	67,579	56,650
Total Debt	9,273	13,183	16,166	15,275	19,134	13,487
Net Cash (Debt)	-6,187	-8,401	-9,167	-10,968	-18,549	-12,825
Net Cash Per Share	-18.16	-24.67	-26.96	-32.22	-55.34	-38.68
Filing Date Shares Outstanding	340.71	340.63	334.65	331.25	340.47	330.81
Total Common Shares Outstanding	340.71	340.63	334.65	331.25	340.47	330.81
Book Value Per Share	13.02	12.60	11.57	10.14	10.16	9.47
Tangible Book Value	3,951	3,792	3,380	2,883	2,994	2,689
Tangible Book Value Per Share	11.60	11.13	10.10	8.70	8.79	8.13

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.